Simple payments. Stronger business.
HPay is a modern payment processing solution built for businesses that value simplicity, transparency and results — no monthly fees, no subscriptions, no hidden fees.
Make a paymentLoan 10283 · Lone Star TransportBuilt for businesses that want payments to just work.
No monthly fees
You pay only when you process a payment. There's nothing to subscribe to and nothing to cancel.
Secure & reliable
Advanced, encrypted processing keeps your transactions and your customers' data safe.
Fast funding
Get your money faster, with every transaction visible the moment it clears.
Dedicated support
Real people, ready to help your business grow — not a ticket queue.
Built for growth
Solutions that scale with your business, from a single payment link to a full payments dashboard.
Transparent reporting
Total sales, successful transactions, settlements and payment-method mix, all in one place.
Every payment, from link to ledger.
Inside the HPAC platform, HPay is the payment layer for premium finance: insureds pay through a secure link, your agency sees it instantly, and every payment is reconciled against the loan it belongs to.
Pay by link
Every agreement and invoice comes with a secure payment link — no logins, no card readers, no phone calls. Every agency can have its own HPay link too.
Card & bank payments
Accept credit and debit cards or bank account payments, with routing numbers validated before a payment is submitted.
Autopay
Insureds can set a card to pay automatically on the due date each month, so installments arrive on time without reminders.
Instant receipts
When a payment clears, a receipt goes to the insured, the agency and HPAC — and the payment appears in the loan's history.
Paid-in-full invoices
Collect the full premium online when a policy isn't financed, using the same secure link and receipts.
Simple reconciliation
Every payment is tied to its loan and agreement, so month-end reconciliation is a report, not a project.
Four steps, fully tracked.
Link sent
The customer receives a secure payment link with the agreement or invoice.
Payment made
Card or bank payment, one time or set to repeat monthly on the due date.
Receipt delivered
Receipts go out automatically the moment the payment clears.
Reconciled
The payment posts to its account and shows up in your reports in real time.
Get started with HPay today.
No monthly subscription. Ever. Tell us about your business and we'll set up your HPay account — or your agency's own payment link.